Frequently Asked Questions

General FAQs

AFFCU's routing number is 314085504

Your Member Number is your Account Number. Your member number is provided to you when you join the credit union. If you joined in a Financial Center you would have been given it at that time. If you joined online or at a car dealership, your Member Number was mailed to you in your membership packet.

 

You can use this form to request that it be emailed to you via secure messaging. Please allow 1-2 business days for your request to be processed. We do not recommend calling to request your number as we currently have extended wait times up to 3 hours.


Member Number Request Form

If you cannot find your Member Number and need it to make your loan payment, you can use this form to request that it be emailed to you. Please allow 1-2 business days for your request to be processed. We do not recommend calling to request your number as we currently have extended wait times up to 3 hours.


AFFCU Member Number Request Form

Visit our How to Pay Your Loan page to learn about our convenient payment options.


How to Pay Your Loan

AFFCU is closed the following holidays.

  • New Year's Day
  • Martin Luther King Jr. Day
  • Presidents Day
  • Memorial Day
  • Juneteenth
  • Independence Day
  • Labor Day
  • Columbus Day
  • Veterans Day
  • Thanksgiving
  • Christmas Eve (open until 1pm)
  • Christmas Day
  • New Year's Eve (open until 1pm)

You will need the following information to complete an application online or at an AFFCU Financial Center:

  • A valid form of identification (unexpired Driver License, Government or state issued ID, or Passport with current address)

  • Your complete physical and mailing address (and previous address if at current address less than two years)

  • Information for funding your new account (credit card or debit card)

  • Your Social Security Number

  • If applying for a joint membership/account, the secondary applicant's information

Visit our Application Portal to check your application status, complete tasks, and upload documents anytime.

Digital Banking FAQs

To enroll in or register for Digital Banking you will need your:

  • AFFCU Account / Member Number
  • Social Security Number / TaxID
  • Birth Date
  • Email Address
  • Zip Code

You can register on the web browser version or the GoAFFCU mobile app, the process is the same.

If you have lost or forgotten your Account / Member Number, please complete the Member Number Request Form. A Representative will send your Member Number via Secure Messaging. Or you may stop by an AFFCU Financial Center during regular business hours for assistance.


Member Number Request Form

Here are the steps if you are already enrolled in AFFCU Online Banking or Mobile App.

  1. Enter your CURRENT Digital Banking Username and Password (do not register as a new user)
  2. You will then be taken through the steps to create a new password
  3. Read the Disclosure and check the "I Agree" box
  4. Verify your identity by answering a few questions
  5. Select a Delivery Method (Text, Email, Voice Call, etc.) to receive a One Time (Temporary) Password 
  6. Enter the Temporary Passcode
  7. Create your New Password that meets the security requirements

 

Digital Banking supports the last two versions of the browsers listed below:

  • Google Chrome: Latest two versions
  • Firefox: Latest two versions
  • Microsoft Edge: Latest two versions
  • Safari: Last two major versions
  • iOS: Last two major versions
  • Android: v8.0 and higher

Yes, you are able to change your username and password at any time by navigating to Settings.

Adding your external accounts (such as credit cards, mortgages, other bank or credit union accounts) will help give you a better overview of your personal finances.

External account information is updated daily. Note: Some external accounts will not automatically update if the other financial institution requires multi-factor authentication such as SMS text messages or security questions. You will be required to re-enter the login credentials to initiate the refresh:

  • For mobile app users, navigate to Settings, select the account that needs to be synced, and then select Update Login.
  • For website users, navigate to Settings under the Profile dropdown (top right of screen), select the account that needs to be synced, and then select the Refresh icon.

Check to see that the log in credentials to the external account are accurate. Some external accounts will not automatically update if the other financial institution requires multi-factor authentication such as SMS text messages or security questions. You will be required to re-enter the login credentials to initiate the refresh:

  • For mobile app users, navigate to Settings, select the account that needs to be synced, and then select Update Login.
  • For website users, navigate to Settings under the Profile dropdown (top right of screen), select the account that needs to be synced, and then select the Refresh icon.

Yes. In the web browser version of Digital Banking, select an Account and look for the download icon. You will have the option to download in these formats:

  • CSV (Comma-Separated Values)
  • OFX (Open Financial Exchange)
  • QFX (Quicken WebConnect)
  • QBO (QuickBooks)

How to download Activity / Transactions

Bill Pay FAQs

You should not have to reset any payee information in Bill Pay. However, you are advised to verify your payee information is correct once you login and before you schedule any new payments. 

It depends on the merchant receiving the payment. We attempt to send as many electronic payments as possible. However, Bill Pay will inform you how the payment is being sent at the time the payment is being scheduled. 

There is no charge to use AFFCU Bill Pay.

Bills can be paid from Checking or Money Market Accounts. Bills cannot be paid from the Savings Account.

All payments whether electronic or check will reach the merchant on the date you choose in Bill Pay.

Yes. You can pay your bills online and view recent payments instantly through the GoAFFCU Mobile Banking App.

Follow these steps to add a new Biller (a company to be paid).

For mobile app users

  • Tap "Bill Pay" at the bottom of the screen (also available by navigating to "More" > "Transfer & Pay" > "Bill Pay").
  • Then select the "Bills" tab at the bottom of the screen.
  • At the top of the screen, tap "Add Biller".
  • There you can either select a tile of a popular Biller or start typing the name of the company in the search bar. You will either be presented with a Biller to select, or if the Biller is not in the system, you can add the Biller's information manually.

For web browser users

  • In the menu, go to "Transfer & Pay" and click on "Bill Pay".
  • Then select the "Pay Bills" tab.
  • Click on the "Add Biller" button.
  • There you can either select a tile of a popular Biller or start typing the name of the company in the search bar. You will either be presented with a Biller to select, or if the Biller is not in the system, you can add the Biller's information manually.

eStatement FAQs

You can have eDocuments or paper statements, but not both.

Switching to eDocuments will save you the $3.00 per paper statement fee.

Yes. About 85% of identity theft cases are due to paper transactions, lost checkbooks and stolen bills, statements and check payments.

Home Equity Loan FAQs

You may use the funds from your AFFCU Home Equity Loan for any purpose, such as to pay off debt, pay for a college education, take a vacation, or make home improvements.

Loans must be on single family detached residential property located in Texas. This would include a home, duplex or condominium.

Yes. It must be your permanent residence.

Loans must be on single family detached residential property located in Texas.

The minimum loan amount is $25,000. The maximum loan amount is $300,000 depending on your qualifications.

There is no application fee required for a Home Equity Loan.

There are no penalties for paying it off early or making extra payments on your Home Equity Loan.

AFFCU does not require PMI on Home Equity Loans.

Skip-A-Pay FAQs

Auto Loans, Signature Loans, and Lifestyle Loans are eligible for Skip-A-Pay.

You can request Skip-A-Pay two (2) times per year.  You must have a minimum of four (4) full monthly payments before requesting a Skip-A-Pay.

Skip-A-Pay requests must be submitted within Digital Banking. Log in to Digital Banking (Web Browser or Mobile App). Go to Transfer & Pay > Skip-A-Pay. Select the Loan (if you have more than one eligible loan) and click the Skip button.

Skip-A-Pay costs $25.

The following loans are NOT eligible for Skip-A-Pay: VISA®, Line of Credit, Mortgage, Home Equity, Home Improvement, Real Estate, Purchase Money Second, IHI, Single Payment, Lease Loans, IFS Insured Auto, Dealer Prodigy, Alternate Solution, Courtesy Pay, Share and Share Certificate Secured Loans.

Now you can request Skip-A-Pay up to two (2) times throughout the year, not just in the summer or during the holidays.